3495 Frederick Dr, Toano, VA 23168 Property Records

James City County property record for 3495 Frederick Dr, Toano, VA 23168

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,528 sqft · built 2011
Lot Size	0.232 acres (10,106 sqft)
Owner	Individual Name on Record
Last Sale	$303,832 (Sep 2011)
Tax Bill	$3,951 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-2 06-0-0069`

Property Details

APN / Parcel Number

Primary APN	`12-2 06-0-0069`
Alternative APN	`32510`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,528 sqft Living Area
Basement Area	1,084 sqft
Finished Basement	924 sqft
Unfinished Basement	160 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	10,106 sqft (0.232 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	32510
Street Address	3495 FREDERICK DR
City	TOANO
State	VA
Zip	23168-9362
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2 GENERAL
Legal Description	L-69 S-4 FENWICK HILLS SUBDIVISION
Legal Subdivision	FENWICK HILLS
Legal Lot Number	69
Jurisdiction	JAMES CITY VA
Township / Civil Division	STONEHOUSE
Census Block Group	2
Census Block	2003
Census Tract	80403

Owner

Source: James City County records, as of May 8, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3495 FREDERICK DR, TOANO, VA 23168-9362
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
May 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2011 · Amount on Record
Deed Sale	Sep 28, 2011 · Amount on Record
Prior Sale	Jun 21, 2011 · Amount on Record
Deed Document Number	201120202
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3495 FREDERICK DR, TOANO, VA 23168-9362
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210004995
Date	Mar 17, 2021
Instrument	210004995

Lender

Name	NATIONSTAR MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	172 Months
Due	Jul 1, 2035

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JAMES CITY VA
Property Address	3495 FREDERICK DR, TOANO, VA 23168-9362
Document Number	0000008186
Instrument Date	May 31, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3495 FREDERICK DR TOANO VA 231689362, TOANO, VA 23168-9362

Mortgage

Document Number	0000008186
Date	Jun 9, 2020
Instrument	8186

Lender

Name	NATIONSTAR MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 8, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: James City County assessment roll, as of October 14, 2025

Property Jurisdictions

Type	Name
State	Virginia
County	James City County
Unified School District	James City County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,951.00 (+6.41%)	$476,100 (+27.44%) Land $94,700 Building $381,400	$476,100 (+27.44%) Land $94,700 Building $381,400
2024	$3,713.00 (+19.54%)
2023	$3,106.00 (+0.19%)	$373,600 Land $72,800 Building $300,800	$373,600 Land $72,800 Building $300,800
2022	$3,100.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 27, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 54% of Virginia
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	JCSA - CENTRAL SYSTEM serves 57,726 people · EPA ID VA3095490
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Glo Fiber Fiber	8,000 / 8,000
Cox Communications Cable	2,000 / 100
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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